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Income Protection Australia

Income Protection Insurance provides an income replacement should you become disabled by injury or illness.

Australia Income Protection

Income Protection Policies

are also known as accident & sickness insurance or disability insurance.

Australian Income Protection

is a tax deductible expense for most employed and self-employed workers.

Income Protection Insurance

pays a monthly income benefit during a term of disability.

Income Protection Insurance Companies
offer monthly benefits of up to 75% of total monthly income. This can usually be extended to include optional term life insurance, trauma cover and lump sum TPD (total permanent disablement) insurance benefits.

Income Insurance Policies

are complex legal documents. You should be sure to seek professional advice from a licensed insurance specialist before you buy or renew an income protection insurance policy . This will ensure that your personal needs and objectives are being met.
Compare Income Protection Quotes

Apply online for a free comparative income protection insurance policy analysis using state-of-the-art price comparator software. We help YOU find the BEST income protection policy for YOUR specific personal needs.

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Compare Disability Insurance QuotesThere are significant differences in disability income protection policies from  one company to the next. There are variations both in terms of the price that you will pay as well as in the options, the benefits and the features offered. You will even find significant variations in policy definitions.

Each company, for example, will offer a slightly different variation on how they determine what the term disabled means. Potentially you may find that some policies are less appropriate depending on your occupation, pastimes, health history and other individual circumstances.

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Compare Instant Online Quotes

Choosing the best income protection insurance solution for an individual situation is complex.

This has led informed consumers to seek advice from specialist agents and brokers when comparing policies and options.

Advancing technology in recent years has given rise to the "instant online quote.

Online quoting has proven popular with consumers across a whole range of insurance categories.

The instant quote allows the insurance shopper to view and compare prices from various insurance companies.

Comparisons are often offered side-by-side to help in the decision making process  - without the need to consult a specialist.

A significant downside of using online quoting systems however is that they promote the misconception that price is the most important thing to compare.

They often ignore the fine differences in policy terms from one company to the next.

Variations between policy wordings and conditions may seem minor to the uninitiated.

The reality is that it can mean the difference between whether you satisfy the company's terms of disablement and/or whether you are entitled to a benefit.

Professional Advice

The role of an agent or broker is to ensure that the choices you make are informed choices, not just based on price.

A broker will also assist in the process of vetting and lodging your application including negotiating with the insurer where necessary to ensure that you get the most favorable terms.

Most importantly, a broker can play a vital role should you find yourself having to make a claim on your policy.

It is for these reasons that all enquiries and quote comparison requests made on this website are referred to licensed brokers and agents.

These specialists can provide you with comprehensive advice and take into account all of your circumstances before making recommendations.

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